Student Loan Type
Are my loans eligible for PSLF?
Navigating the Road to Public Service Loan Forgiveness
Step 2
4 Steps to Forgiveness
• FFEL
• Perkins
• Parent Plus
STEP 4
Apply for PSLF - Submit Employer Certifications Annually
STEP 3
Consolidate Loans (FFEL, Perkins, Parent Plus), If Necessary
STEP 2
Determine Student Loan Type
STEP 1
Identify Qualified Public Employers
Types of
Student
Loans
Eligible for PSLF
Direct
Loans
Eligible for PSLF, if consolidated into a Direct
Loan
FFEL or
Perkins
Loans
Eligible for PSLF, if consolidated with another
Direct, FFEL or Perkins Loan
Parent
Plus
Loans
Not Eligible for PSLF
Private
Loans
Before you
begin STEP 2,
you’ll need…
FSA ID and
Password
Federal Student Aid Website
www.studentaid.gov
Student Loan Dashboard
Student Loan Details and Types
Student Loan Breakdown
Student Loan Details
Loans Eligible for PSLF
Loan Type PSLF Eligible? Waiver Benefits
Direct Loans YES N/A
Federal Family Education Loans
(FFEL)
MAYBE
if consolidated into a
Direct Loan.
If consolidated into a Direct loan before October 31, 2022,
receive PSLF credit for payments made on FFEL loans prior to
consolidation.
Perkins Loan
MAYBE
if consolidated into a
Direct Loan.
If consolidated into a Direct loan before October 31, 2022,
receive PSLF credit for payments made on Perkins loans prior
to consolidation.
Parent Plus Loan
MAYBE
if consolidated with a
Direct, FFEL or Perkins
loan the parent took
out for their own
education.
If consolidation with an existing Direct Loan, or consolidated
into a Direct Loan together with a FFEL or Perkins, before
October 31, 2022, the new Direct Consolidation Loan will
reflect the total dollar amount of the Parent Plus and non-
Parent Plus loan, but will only be credited with past payment
and work history associated with the non-Parent Plus loan.
Private Loans NO N/A
A WARNING for Borrowers with Income Below $125,000
or Household Income Below $250,000
(Updated 9/29/2022)
• On August 22, 2022, President Biden announced $10,000 to $20,000 in student debt cancellation for
federal loan borrowers who have income below $125,000, or household income below $250,000.
• It was unclear whether privately owned Federal Family Education (FFEL) loans and Perkins loans would
qualify for cancellation.
• It was recently determined that borrowers who consolidate FFEL and Perkins loans with other federal
loans (e.g., Direct loans) after September 29, 2022, may not be eligible for the $10,000 or $20,000 in
debt cancellation. (Loans consolidated prior to September 29 remain eligible for debt cancellation.)
• However, FFEL and Perkins loans consolidated into a Direct loan prior to October 31, 2022, continue to
be eligible to receive the benefits of the PSLF waiver.
Borrowers with individual income below $125,000, or household income below $250,000,
should review their loans and carefully weigh the benefits of the one-time debt cancellation
vs. PSLF loan forgiveness before consolidating their FFEL and Perkins loans into Direct loans.
Student Debt Resources
www.AFSCME.org
Next Steps
